[nullc]

meh, that's not true. it's easy to have a top score while never paying lenders a dollar in profit. You just have to follow instructions online to juice your accounts by opening the right kinds and using them the right ways (e.g. keeping your usage below a threshold percentage of your limits).

The credit score is essentially price discrimination predicated on customers not being able to find and follow instructions. It also happens to give poor scores to people who are credit risks, but the difference between a meh score and a high one is mostly your ability to munchkin a bit.

[Edit: just checked, mine is 808.]